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Credit Acceptance Customer Frequently Asked Questions (FAQ)

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Customer FAQ Title

Customer FAQ

Customer FAQs

How do I contact a Credit Acceptance representative?

You can reach a representative toll free at 1-800-634-1506 from 8:00 a.m. - 11:00 p.m. EST.

How do I get a payoff on my account?

Please call 1-800-634-1506 and use the automated phone system to get your payoff. The system is available 24 hours a day. You can also talk to a Credit Acceptance representative between 8:00 a.m. - 11:00 p.m. EST.

Can I get financed through a Credit Acceptance dealer?

We have dealers around the country who are enrolled in the Credit Acceptance program. Dealers enrolled in our program have the ability to give a credit approval to every customer they submit to us for financing. However, the decision to deliver a vehicle to you is the dealer's.

How can I pay online?

To make a payment, or set up recurring automatic payments online click here.

What are my payment options?

We offer several convenient payment options for making your monthly payment. To view the options, click here.

What is your payment mailing address?

Below is our official payment mailing address. For proper credit on your account, please be sure to include your payment coupon and your account number on your check or money order.

Credit Acceptance P.O. Box 551888 Detroit, MI 48255-1888

Can I change my payment date?

Unfortunately payment dates cannot be changed as they are based on the original contract that was signed.

Does Credit Acceptance have a grace period?

No. You are required to make each payment on the due date specified in your contract with us. Payments received after the due date will be considered past due. Make payments on or before the due date to avoid collection activity and/or additional charges. If unforeseen circumstances prevent you from making payments on time, please notify us as soon as possible so arrangements can be made.

Can I refinance my vehicle?

Unfortunately, Credit Acceptance does not offer the opportunity to refinance your vehicle through our Company. If your payment history has remained in good standing, you may have the opportunity to refinance through another financial institution, such as a bank.